A&D Mortgage LLC is an Equal Housing Lender. NMLS ID #958660. 1040 South Federal Highway, Hollywood, FL 33020 1-855-ADLOANS (1-855-235-6267). A&D Mortgage LLC is licensed by AZ #1006747 “Arizona Mortgage Banker License”, CA# 60D8053270 “Loans made or arranged pursuant to a California Financing Law license”, CA #41DB0-58930 “Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act”, CO "Mortgage Company Registration”, CT #ML-958660 Mortgage Lender License, FL# MLD858 "Mortgage Lender Servicer License”, GA Mortgage Lender License/Registration #58815, IL #MB. 6761475 “Residential Mortgage License”, MD “Mortgage Lender License”, MI # FR0023142 “1st Mortgage Broker/Lender/Servicer Registrant”; NH# 23561-MB “Mortgage Banker License”, NY# LMB109468 "Mortgage Banker License", NJ Licensed by the NJ Department of Banking and Insurance: Residential Mortgage Lender License, NC #L-186481 “Mortgage Lender License”, PA# 54518 "Mortgage Lender License", SC-BFI #MLS-958660 “Mortgage Lender/Servicer License”, TN #215750 ”Mortgage License”, TX SML "Mortgage Company License", TX-SML "Residential Mortgage Loan Servicer Registration", UT-DFI Residential First Mortgage Notification, VA# MC 6653 "Broker License" and “Lender License" (www.nmlsconsumeraccess.org). Loan approval and rates are dependent upon applicant’s credit, collateral, financial history and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Copyright©2020. All Rights Reserved.

NO INCOME / NO DSCRINVESTMENT PROPERTYNO DTI RATIO LTV - UP TO 80% FICO - FROM 660

PROGRAM HIGHLIGHTS:• No income or employement

• No reserves required

• No leases required

• No DSCR ratio requirements, non cash flowing property ok

• Ownership of a primary residence is required

• Interest only LTV 80%

• DSCR ≥ 0.75

• Foreign borrowers are accepted